Mac

Mostly notes to self

[Mac @LuckyNotSmart]

Re: handle

[Mac @LuckyNotSmart]

@nachkari Mark Carney = Lisa Su

[Mac @LuckyNotSmart]

@nachkari This is huge, fair to say it’s likely this is just the first step in lowering CET1

RY at 3x book a bit more palatable now

[Mac @LuckyNotSmart]

Carney is really going to do it https://t.co/4ruN2VzvxT

[Mac @LuckyNotSmart]

What Chris Hohn knows (Financial Times US), May 21, 2026
https://t.co/HCVjiGKm6Q

[Will Ahmed @willahmed]

You have no experience.
You’ve never started a company.
You’ve never had a full time job.
Nike is going to kill you.
You’re a kid.
You don’t have technical skills.
You shouldn’t build hardware.
Apple is going to kill you.
You can’t build hardware.
You can’t measure heart rate non-invasively.
Athletes don’t care about recovery.
Under Armour is going to kill you.
It won’t be accurate.
You don’t listen.
You’re an ineffective leader.
You can’t recruit great talent.
You’re going to have to pay every athlete.
You can’t measure sleep non-invasively.
It’s too expensive to research.
Athletes are a small market.
The product costs too much to make.
The product costs too much to sell.
Your valuation is too high.
Consumers aren’t going to want it.
Hardware is too hard.
You should measure steps.
Fitbit is going to kill you.
You can’t build a marketing engine.
You can’t raise enough money.
You need a real CEO.
Google is going to kill you.
You can’t be a subscription.
You can’t build a brand.
You can’t do consumer in Boston.
Your valuation is too high.
You shouldn’t make accessories.
You shouldn’t make apparel.
Lululemon is going to kill you.
You can’t predict Covid.
Stay in your niche.
You are going to run out of money.
You can’t build a health platform.
Amazon is going to kill you.
You can’t measure blood pressure.
You can’t get medical approvals.
The market is too small.
You don’t understand AI.
The market is too competitive.
It won’t work internationally.
The supply chain is too complicated.
You can’t build an AI.
You can’t raise enough money.
It’s too competitive.
Healthcare isn’t going to want it.
…

Just keep going ✌️

[Mac @LuckyNotSmart]

You love to see it

[*Walter Bloomberg @DeItaone]

MORTGAGE RATES FALL BELOW 6% AS REFI SURGES

The average U.S. 30-year fixed mortgage rate dropped to 5.99% on Monday—its lowest level since 2022, according to Mortgage News Daily. That’s down from 6.89% a year ago.

The decline comes as investors move into bonds amid stock market volatility, pushing yields—and mortgage rates—lower. Uncertainty around tariffs, easing inflation, and weaker GDP data are driving the shift.

Matthew Graham said the current dip appears more sustainable than January’s brief drop into the 5% range, provided bond markets remain stable.

Lower rates are already fueling demand: refinance applications are up about 130% year over year, according to the Mortgage Bankers Association, with further gains likely if rates stay low.

[Mac @LuckyNotSmart]

Yahoo and Google is Google again https://t.co/E5I6fuWJcD

[Mac @LuckyNotSmart]

Purpose purpose purpose https://t.co/cwKYMZffMt

[Mac @LuckyNotSmart]

https://t.co/O3WKljICYz

[Mac @LuckyNotSmart]

🤔 $CSU.TO ⁦

[roon @tszzl]

say it with me now. experts are fake, smart generalists rule the world, everything is designed by people no smarter than you, and courage is in shorter supply than genius

[Mac @LuckyNotSmart]

Is AI hitting a wall? (Financial Times US), Aug 16, 2025
https://t.co/nBGLsxa89H

[Mac @LuckyNotSmart]

🎸

[Mac @LuckyNotSmart]

Cancel that dividend, deploy that net cash position and let’s get rocking $CMG.TO

[Mac @LuckyNotSmart]

@ChrisA_Essex Don’t get any ideas for member member ….

[Mac @LuckyNotSmart]

Purpose = longevity

[Kevin Carpenter @kejca]

Warren Buffett: "Everybody in my family has got all of their money in Berkshire — so those people are counting on me. And it's kind of fun to have something where you can actually deliver for other people and change their lives in positive ways."

[Mac @LuckyNotSmart]

@compoundpapi Is Real Matters not a much lower stress way to capture a rebound in mortgage volumes? Albeit primarily US

[Mac @LuckyNotSmart]

🐎 https://t.co/Sz8z4medne

[Mac @LuckyNotSmart]

Cheers to the last

[Mac @LuckyNotSmart]

🔑

[Kevin Carpenter @kejca]

Warren Buffett: "I think I stay healthy partly by being happy. It really helps if your stomach isn't grinding all the time [because] you're doing things you don't want to do or you're working with people [you don't like]."

"I'll usually sleep 8 hours a night."

[Mac @LuckyNotSmart]

Diamond hands $TPR